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This modern financial instrument will help your child to master the basics of financial literacy and teach them to use their own funds and banking services wisely.
Updated design of Junior Card and a whole pack of stickers allow your child to express themselves by creating their very own unique bank card.
With Junior Card your child is always on their game.
|Characteristics||Terms and conditions|
|Registration cost||free of charge|
|Payment for goods and services at retail outlets and online||free of charge|
|Payment by card to an account of a legal entity (payment within Ukraine).||4% for transfers from credit funds or 1% (min UAH 3, max UAH 1,000) for transfers from own funds + UAH 2 for transfers by voice banking|
|Set a credit limit on the card with parental consent||max 300 UAH. |
No credit limit for Junior Cards since OR starting from 20.06.2019
|Grace period||55 days for free|
|Monthly base interest rate at the end of the grace period||3.6 %|
|Monthly Statutory Payment||Minimum UAH 30 and no more than the balance; |
10% of arrears but minimum UAH 30 and not more than the balance - in case of delay, starting from the second month thereof
|Schedule of monthly payments||until the 25th of the next month|
|Credit fee for delay in performing contractual obligations, per month||7,2%|
|Interest from the amount of the unrecovered loan in accordance with Part 2 of Article 625 of the Civil Code of Ukraine, per annum|| 86,4% |
The list of conditions under which in accordance with Part 2 of Article 625 of the Civil Code of Ukraine an interest is accrued, given in Clause 126.96.36.199.12 of the Terms and Conditions
|Fee for withdrawal of own funds||- from ATMs and cash points of PrivatBank and other Ukrainian banks - 1% |
- at ATMs and cash points abroad - 2%
|Fee for cash withdrawals at PrivatBank cash points and ATMs, any Ukrainian and foreign bank cash points, as well as quasi-cash transactions||up to 100 UAH: 7 UAH |
100–200: 12 UAH
200-300: 18 UAH
|Card replenishment (including crediting the remainder of more than UAH 50).|| |
at a cash desk
at a self-service terminal - without using a card - 0.5% of the amount (minimum UAH 5)
For PrivatBank cardholders there is a promotional rate of 0.2% of the amount (minimum UAH 2)
|Cash withdrawal without using the card at the cash desk or ATM|| |
at cash desk - without using a card - 0,2% min - 5 UAH
ATM - UAH 2 (except withdrawal by scanning a QR code)
|Commission for settlement service of inactive accounts for which there were no transactions for 12 consecutive months (all active accounts are missing)||UAH 20 per month, but not more than the balance on the account|
|Fee for balance enquiry at PrivatBank ATMs and self-service terminals (other than cash withdrawal receipt)||UAH 3|
|Fee for mobile phone top up using the card||+ 1% on account of credit funds|
|Penalty for failure to fulfil obligations in accordance with the terms and conditions of banking services||0.24% (accrued for each day of delay instead of the base interest rate).|
Visit the nearest PrivatBank branch with your child (or just by yourself) and submit the following:
Junior Card is linked to the parent’s (or guardian’s) account, so you need to be a PrivatBank client in order to apply.
With their own bank card, your child will be able to pay for meals and buy snacks fast and easy. You can always control these payments with SMS-informing.
If your school does not have PrivatBank’s terminals, you can discuss the possibility of their installation with the school's management and explain all the advantages.
Crave uniqueness in everything? Create your card design by yourself! Personal design card is auxiliary to your main card and it features all the same benefits. You can create design of your card using your photo or any image you like.
Is it possible to connect Junior Card to SMS-informing?
What are the ways of Junior Card replenishment?
Junior Card can be replenished by:
• regular payment from the card of one of the parents;
• transferring funds via Privat24;
• transferring funds via self-service terminal;
• sending to number 10060 a command SEND[amount]UAH+[last 4 digits of the card of one of the parents]+[Junior Card number]. Example: SEND54UAH+1111+4444222233335555;
• visiting any bank branch.
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Which useful information can be found on the website of JuniorBank?